The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$30,210
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,149
−HK$955/mo
Today · 4.125%
HK$32,104
baseline
▲ 0.50% · 4.625%
HK$34,057
+HK$1,953/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$64,208/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,608
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,509
−HK$915/mo
Today · 4.125%
HK$35,424
baseline
▲ 0.50% · 4.625%
HK$37,291
+HK$1,867/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$70,848/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,251
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$37,379
−HK$1,146/mo
Today · 4.125%
HK$38,525
baseline
▲ 0.50% · 4.625%
HK$40,869
+HK$2,344/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$77,050/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$496,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,329
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,411
−HK$1,097/mo
Today · 4.125%
HK$42,508
baseline
▲ 0.50% · 4.625%
HK$44,749
+HK$2,241/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$85,016/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$496,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,293
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$43,609
−HK$1,337/mo
Today · 4.125%
HK$44,946
baseline
▲ 0.50% · 4.625%
HK$47,680
+HK$2,734/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$89,892/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,051
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$48,313
−HK$1,280/mo
Today · 4.125%
HK$49,593
baseline
▲ 0.50% · 4.625%
HK$52,207
+HK$2,614/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$99,186/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,377
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$56,069
−HK$1,718/mo
Today · 4.125%
HK$57,787
baseline
▲ 0.50% · 4.625%
HK$61,303
+HK$3,516/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$115,574/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,494
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$62,117
−HK$1,645/mo
Today · 4.125%
HK$63,762
baseline
▲ 0.50% · 4.625%
HK$67,123
+HK$3,361/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$127,524/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,813 · Scale 2, in force from 26 Feb 2026)